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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,075 | $86,298-72.1% | $111,308-78.4% | $85,847-72.0% |
| Participation rate | 31.1% | 73.3%-42.2pp | 77.3%-46.2pp | 69.3%-38.2pp |
| Annual return | 14.84% | 19.99%-5.1pp | 54.67%-39.8pp | 318.61%-303.8pp |
| Employer contribution / active EE | $473 | $2,044-76.9% | $2,732-82.7% | $2,565-81.6% |
| Participant deferral / active EE | $1,700 | $3,641-53.3% | $4,487-62.1% | $3,952-57.0% |
| Admin fee / account holder | $549 | $8,189-93.3% | $7,965-93.1% | $6,261-91.2% |